function [fl_max_c, fl_b_bridge, fl_inf_borr_nobridge, fl_for_borr, fl_for_save] = ...

            ffs_fibs_min_c_cost_bridge(varargin)

%% FFS_FIBS_MIN_C_COST_INF_BRIDGE combine ffs_fibs_min_c_cost + inf_bridge

% Given coh and aprime choice, what are the optimal formal and informal

% joint choices including bridge choices. This function is invoked after

% optimal a-prime choices have been found. This is invoked so that during

% solution, do not have to store these choices. This is the same material

% as what is in ff_abz_fibs_vf.m

%

% @param fl_ap float aprime choice, for example optimal aprime solved

%

% @param fl_coh float cash-on-hand for the aprime choice

%

% @param ar_aprime array N by 1 level of aggregate borrowing excluding

% bridge loan. Note that bridge loan is needed if coh is negative and

% households can not pay back principle and interests. This must be

% negative.

%

% @return fl_max_c float next period consumption cost

% (_bl_b_is_principle_ == true), or this period consumption gain

% (_bl_b_is_principle_ == false) based on choosing optimally between formal

% and informal, borrowing and savings joint categories, given either total

% borrowing in principles or principles + interest rate from ar_aprime.

%

% @return fl_b_bridge float bridge loan debt to pay for unpaid uncovered

% cash-on-hand

%

% @return fl_inf_borr_nobridge float informal borrowing choices

% (Excluding Informal Bridge loans, calculated elsewhere) which could come

% from informal borrowing only if that minimizes consumption cost, or joint

% formal and informal borrowing if that is the cost minimizing choice. if

% _bl_b_is_principle_ == true, then this includes just the principles,  no

% intrest rates. if _bl_b_is_principle_ == false, that means this includes

% interest rates costs as well as principles costs.

%

% @return fl_for_borr float formal borrowing choice that minimizes

% consumption costs given fixed _ar_aprime_. Could come from formal

% borrowing alone (which shows up as joint formal and something else where

% the other choice is 0), or formal + informal joint borrow, or formal

% borrowing and formal savings.

%

% @return fl_for_save float this is the formal savings choice when

% households are borrowing. Households coulds save just for savings, no

% borrowing as well, that is not captured here.

%

% @example

%

%   bl_input_override = true;

%   [fl_max_c, fl_b_bridge, fl_inf_borr_nobridge, fl_for_borr, fl_for_save] = ...

%        ffs_fibs_min_c_cost_bridge(fl_ap, fl_coh, ...

%            param_map, support_map, armt_map, func_map, bl_input_override);

%

% @seealso

%

% * Formal Borrowing Grid: <https://fanwangecon.github.io/CodeDynaAsset/m_fibs/paramfunc_fibs/html/ffs_for_br_block_gen.html ffs_for_br_block_gen>

% * Informal Interest Rates: <https://fanwangecon.github.io/CodeDynaAsset/m_fibs/paramfunc_fibs/html/ffs_r_inf.html ffs_r_inf>

% * Match Borrowing to Formal Grid: <https://fanwangecon.github.io/CodeDynaAsset/m_fibs/paramfunc_fibs/html/ffs_for_br_block_match.html ffs_for_br_block_match>

% * Optimize Formal and Informal, Borrowing and Savings Joint Choices: <https://fanwangecon.github.io/CodeDynaAsset/m_fibs/paramfunc_fibs/html/ffs_fibs_min_c_cost.html ffs_fibs_min_c_cost>

% * Bridge Loan: <https://fanwangecon.github.io/CodeDynaAsset/m_fibs/paramfunc_fibs/html/ffs_fibs_inf_bridge.html ffs_fibs_inf_bridge>

% * Overall Optimization: <https://fanwangecon.github.io/CodeDynaAsset/m_fibs/paramfunc_fibs/html/ffs_fibs_min_c_cost_bridge.html ffs_fibs_min_c_cost_bridge>

% * Discrete Choices: <https://fanwangecon.github.io/CodeDynaAsset/m_fibs/paramfunc_fibs/html/ffs_fibs_identify_discrete.html ffs_fibs_identify_discrete>

%

%% Default 

if (~isempty(varargin)) 

    % override when called from outside

    [fl_ap, fl_coh, param_map, support_map, armt_map, func_map] = varargin{:}; 

    bl_display_minccost_bridge = false; 

else

    close all

    % Default

    it_param_set = 4;

    bl_input_override = true;

    [param_map, support_map] = ffs_ipwkbz_fibs_set_default_param(it_param_set);

    % principle or p+r

    param_map('bl_bridge') = true;

    param_map('fl_r_inf') = 0.065;

    % Gather Inputs from armt_map

    params_group = values(param_map, ...

        {'fl_r_fbr', 'st_forbrblk_type', 'fl_forbrblk_brmost', 'fl_forbrblk_brleast', 'fl_forbrblk_gap'});

    [fl_r_fbr, st_forbrblk_type, fl_forbrblk_brmost, fl_forbrblk_brleast, fl_forbrblk_gap] = params_group{:};

    [ar_forbrblk, ar_forbrblk_r] = ...

        ffs_for_br_block_gen(fl_r_fbr, st_forbrblk_type, fl_forbrblk_brmost, fl_forbrblk_brleast, fl_forbrblk_gap);

    armt_map = containers.Map('KeyType','char', 'ValueType','any');

    armt_map('ar_forbrblk') = ar_forbrblk;

    armt_map('ar_forbrblk_r') = ar_forbrblk_r;

    % Get Functions

    params_group = values(param_map, {'fl_crra', 'fl_c_min', 'fl_b_bd'});

    [fl_crra, fl_c_min, fl_b_bd] = params_group{:};

    params_group = values(param_map, {'fl_Amean', 'fl_alpha', 'fl_delta'});

    [fl_Amean, fl_alpha, fl_delta] = params_group{:};

    params_group = values(param_map, {'fl_r_fsv', 'fl_w'});

    [fl_r_fsv, fl_w] = params_group{:};

    [~, ~, ~, ~, ~, ~, f_coh_fbis, f_coh_save, ~] = ...

        ffs_ipwkbz_fibs_set_functions(...

        fl_crra, fl_c_min, fl_b_bd, fl_Amean, fl_alpha, fl_delta, fl_w, fl_r_fbr, fl_r_fsv);

    func_map = containers.Map('KeyType','char', 'ValueType','any');

    func_map('f_coh_fbis') = f_coh_fbis;

    func_map('f_coh_save') = f_coh_save;

    % Testing COH and Aprime Vectors

    fl_ap = -10;

    fl_coh = 5;

    % Testing COH and Aprime Vectors

    fl_ap = -10;

    fl_coh = -7;

    % Example where aprime choice can not repay debt. 

    fl_ap = -5;

    fl_coh = -10;

    % Set Display Control

    support_map('bl_display_infbridge') = true;

    support_map('bl_display_minccost') = true;

    bl_display_minccost_bridge = true;

end 

%% Parse Parameters

% Gather Inputs from armt_map

params_group = values(armt_map, {'ar_forbrblk', 'ar_forbrblk_r'}); 

[ar_forbrblk, ar_forbrblk_r] = params_group{:}; 

% Gather Inputs from param_map

% fl_r_inf is a shock, need to be inserted in

params_group = values(param_map, {'bl_rollover', 'bl_default', 'bl_bridge', 'bl_b_is_principle', 'fl_r_inf', 'fl_r_fsv', 'fl_c_min'}); 

[bl_rollover, bl_default, bl_bridge, bl_b_is_principle, fl_r_inf, fl_r_fsv, fl_c_min] = params_group{:}; 

% func_map

if (bl_b_is_principle) 

    % when savings is principle: mimizing cost cost tomorrow

    params_group = values(func_map, {'f_coh_fbis', 'f_coh_save'}); 

    [f_coh_fbis, f_coh_save] = params_group{:}; 

else

    % when not principle, but principle + interest: maximize c gain today

    params_group = values(func_map, {'f_cons_coh_fbis', 'f_cons_coh_save'});

    [f_cons_coh_fbis, f_cons_coh_save] = params_group{:};

end 

% support_map

params_group = values(support_map, {'bl_display_minccost', 'bl_display_infbridge'}); 

[bl_display_minccost, bl_display_infbridge] = params_group{:}; 

%% Compute Consumption given Borrowing and Savings

% find the today's consumption maximizing formal and informal

% choices given a' and coh. The formal and informal choices need to

% generate exactly a', but depending on which formal and informal

% joint choice is used, the consumption cost today a' is different.

% Note here, a is principle + interests. Three areas:

%

% * *CASE A* a' > 0: savings, do not need to optimize over formal and

% informal choices

% * *CASE B* a' < 0 & coh < 0: need bridge loan to pay for unpaid debt, and

% borrowing over-all, need to first pick bridge loan to pay for

% debt, if bridge loan is insufficient, go into default. After

% bridge loan, optimize over formal+informal, borrow+save joint

% choices.

% * *CASE C* $ a' < 0 & coh > 0: do not need to get informal bridge loans,

% optimize over for+inf save, for+save+borr, inf+borr only, for

% borrow only.

%

if (fl_ap < 0) 

    % Calculate Bridge Loan Borrowing

    if (fl_coh < 0 && bl_bridge) 

        bl_input_override = true; 

        [fl_aprime_nobridge, fl_b_bridge, fl_c_bridge] = ffs_fibs_inf_bridge(... 

            bl_b_is_principle, fl_r_inf, fl_ap, fl_coh, ... 

            bl_display_infbridge, bl_input_override); 

    else 

        fl_aprime_nobridge = fl_ap; 

        fl_b_bridge = 0; 

        fl_c_bridge = 0; 

    end 

    % Find Optimal Formal Informal Borrow Save Combo

    % calculate consumption gain from formal + informal

    % borrowing and savings choices.

    bl_input_override = true; 

    [fl_max_c_nobridge, fl_inf_borr_nobridge, fl_for_borr, fl_for_save] = ... 

        ffs_fibs_min_c_cost(...

        bl_b_is_principle, fl_r_inf, fl_r_fsv, ... 

        ar_forbrblk_r, ar_forbrblk, ... 

        fl_aprime_nobridge, bl_display_minccost, bl_input_override); 

    % Compute Consumption given Formal and Informal joint

    % consumption with formal borrow menu + bridge loans.

    if (bl_b_is_principle) 

        fl_max_c_or_coh_raw = f_coh_fbis(fl_r_inf, fl_for_borr, fl_b_bridge + fl_inf_borr_nobridge, fl_for_save); 

    else

        fl_max_c_or_coh_raw = f_cons_coh_fbis(fl_coh, fl_max_c_nobridge + fl_c_bridge);

    end       

else 

    % consumption with savings

    if (bl_b_is_principle) 

        fl_max_c_or_coh_raw = f_coh_save(fl_ap); 

    else

        fl_max_c_or_coh_raw = f_cons_coh_save(fl_coh, fl_ap);

    end 

    % assign values for formal and informal choices

    % possible that fl_coh < 0, but if then fl_ap > 0 is

    % not valid choice

    [fl_b_bridge, fl_inf_borr_nobridge, fl_for_borr, fl_for_save] = deal(0, 0, 0, fl_ap); 

end 

%% Compute Utility With Default

% assign u(c)

if (~bl_b_is_principle) && ... 

        ((fl_max_c_or_coh_raw <= fl_c_min || ( ~bl_rollover && ~bl_bridge && fl_coh < fl_c_min)))

    if (bl_default)

        % Replace Consumption if default cmin

        fl_max_c = fl_c_min;

    else

        % Replace Consumption if no default nan

        fl_max_c = 0;

    end

    % if coh < 0 but aprime > coh, choice not sufficient to pay debt, then

    % fl_for_save ends up > 0, but that is not possible, not a real choice.

    if (fl_for_save > 0)

        fl_for_save = 0;

    end

else 

    fl_max_c = fl_max_c_or_coh_raw; 

end 

%% Display

if (bl_display_minccost_bridge) 

    disp('fl_max_c_raw');

    disp(fl_max_c_or_coh_raw);    

    disp('fl_max_c');

    disp(fl_max_c);

    disp('fl_for_save');

    disp(fl_for_save);

end

end